We operate the website cqtech.co (the "Website") and provide custom B2B payment solutions, advisory services, technological software, and AML systems (collectively, the "Services"). This Privacy Policy describes how we collect, use, and disclose your personal information when you visit, use, or interact with our Website, utilize our Services, or otherwise communicate with us.
Please read this Privacy Policy carefully. By accessing the Website or using any of our Services, you acknowledge that you have read and understood the collection, use, and disclosure of your information as described in this Privacy Policy.
1. Personal Information We Collect or Process
When we refer to "personal information," we mean information that identifies or can reasonably be linked to an individual. We may collect and process the following categories of personal information depending on how you interact with our Services:
-
Contact Details: First name, last name, business email address, and phone number submitted via our contact forms (e.g., "Stay in touch").
-
Professional & Business Information: Company name, job title, company registration details, and specific business requirements shared during consultations, advisory sessions, or onboarding.
-
Compliance & AML Information: Personal and business data required for Anti-Money Laundering (AML) monitoring, Know Your Customer (KYC) checks, risk assessments, and provider communications.
-
Communications: Information contained in your inquiries, emails, or support requests with our team.
-
Device & Technical Information: Browser type, operating system, IP address, device identifiers, time zone settings, and technical connection data.
-
Usage Information: Data regarding how and when you navigate, interact with, or view content on our Website.
2. Personal Information Sources
We collect personal information from the following sources:
-
Directly from you: When you submit inquiry forms, request advisory services, communicate with us, or engage in onboarding procedures.
-
Automatically through our Website: From your device when you visit our site, utilizing cookies and similar tracking technologies.
-
From service providers and partners: From third-party vendors who assist in infrastructure, analytics, software hosting, or from financial institutions and payment providers during onboarding communications.
3. How We Use Your Personal Information
We process your personal information for the following business purposes:
-
Service Delivery & Management: To provide and optimize our Services, select tailored payment methods, manage provider communications, and deliver custom technical software.
-
Security, AML & Fraud Prevention: To run automated monitoring, perform AML risk evaluations, detect fraudulent or malicious activity, and protect our cloud infrastructure.
-
Client Communication: To respond to your requests, deliver expert guidance, and manage our ongoing B2B relationship.
-
Analytics & Performance: To measure Website performance, analyze user trends, and optimize our systems for scale and speed.
-
Legal & Regulatory Compliance: To comply with applicable laws, including European and international financial, tax, and anti-money laundering regulations, or in response to valid legal requests.
4. Legal Basis for Processing (GDPR)
We rely on the following legal grounds under applicable data protection laws (including the General Data Protection Regulation / GDPR) to process your personal data:
-
Contractual Necessity: To perform our obligations under an agreement with you or take pre-contractual steps at your request.
-
Legal Obligation: To comply with legal requirements, particularly international anti-money laundering (AML), counter-terrorist financing (CTF), and financial compliance standards.
-
Legitimate Interests: To pursue our legitimate business interests (such as improving system performance, securing our network, and developing client relations), provided these interests are not overridden by your rights.
-
Consent: Where you have explicitly given us consent (e.g., for certain non-essential cookies). You may withdraw your consent at any time.
5. How We Disclose Personal Information
We do not sell your personal data. We may share your information with trusted third parties under the following circumstances:
-
Service Providers: Third-party vendors performing services on our behalf, including IT hosting, cloud management, analytics, and CRM systems.
-
Payment Providers & Financial Institutions: As part of our advisory and setup services, to facilitate communication, onboarding, and integration on your behalf.
-
Corporate Transactions: In connection with any merger, sale of company assets, financing, or acquisition.
-
Legal & Regulatory Bodies: Where required by law, court order, or competent regulatory authorities (such as financial regulators, supervisory authorities, or law enforcement agencies) to comply with legal processes or protect vital rights and safety.
6. Security and Data Retention
We implement robust technical and organizational security measures to protect your personal information against unauthorized access, loss, or misuse. However, no data transmission over the Internet can be guaranteed as 100% secure.
We retain personal information only for as long as necessary to fulfill the purposes for which it was collected, including satisfying legal, accounting, financial, or reporting requirements. Compliance and AML documentation is typically retained for 5 years following the termination of the business relationship, in accordance with applicable legal requirements.
7. International Data Transfers
As we operate globally, your personal data may be transferred to and stored in countries outside the European Economic Area (EEA) or your country of residence.
When transferring personal data internationally, we ensure appropriate safeguards are implemented in compliance with applicable data protection laws (such as the GDPR). These safeguards include utilizing Standard Contractual Clauses (SCCs) approved by the European Commission or transferring data to jurisdictions recognized as providing an adequate level of data protection.
8. Your Rights and Choices
If you are located in the EEA or another jurisdiction with applicable data protection legislation, you have specific legal rights regarding your personal data:
-
Right to Access: Request access to the personal information we hold about you.
-
Right to Rectification: Request correction of inaccurate or incomplete personal data.
-
Right to Erasure ("Right to be Forgotten"): Request deletion of your personal data under certain conditions.
-
Right to Restrict Processing: Request that we restrict the processing of your personal data.
-
Right to Data Portability: Request a copy of your personal data in a structured, machine-readable format.
-
Right to Object: Object to our processing of your personal data based on legitimate interests or for direct marketing.
-
Right to Withdraw Consent: Withdraw consent at any time where processing is based on consent.
To exercise any of these rights, please contact us at info@cqtech.co. We will respond to your request within one calendar month or within the timeframe mandated by applicable law.
Right to Complain
You also have the right to lodge a complaint with a competent supervisory authority or local Data Protection Authority (DPA) in your jurisdiction (for EEA residents, a list of national DPAs can be found on the official European Data Protection Board website).
9. Third-Party Links
Our Website may contain links to external third-party websites or services that are not operated by us. We are not responsible for the content, privacy practices, or security policies of any third-party websites.
10. Changes to This Privacy Policy
We may update this Privacy Policy periodically to reflect updates to our operations, technologies, or legal responsibilities.
11. Contact Us
If you have any questions or concerns about this Privacy Policy or our data handling practices, please contact us at info@cqtech.co.